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How long before score is updated

Established Member

How long before score is updated

Hello everybody! this is my 3rd post on here and I love when I get replies because it helps me. I had put alot of money on my credit cards in the middle towards the end of october for my mothers funeral, and score took a dive. they were in the  620s. I paid them all off except 1 like 2 weeks ago, before alot of them were due so it will show up there they are PIF. How long before that is reflected on the credit report? I decided to check yesterday and my score is still the same and Many of my new statements have been updated with a zero balance now, hence they were due on like the 24th or the 25s. I used the what if simulator and it said my score should shoot up to the 690s to the 700s, I just want to know when. I would Like to ask for CLIS on them because before this site, I never asked for one on most of my cards and I have had most of them for over 2 years, so I think I should be approved. IF you wwant me to go into more detail about my credit I will. Thanks in advance for the replies!

I want to be in the 700s again!
Message 1 of 18
17 REPLIES
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Valued Contributor

Re: How long before score is updated

You should see your jump as soon as they report your balances, which is usually a few days after the end of your billing cycle. Look on your statement for the statement closing date, then add 4 -6 days and you should have it. Of course, different cards may have different reporting philosophies so YMMV.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 2 of 18
Established Member

Okay thanks, most of them are reporting zero balances lik...

Okay thanks, most of them are reporting zero balances like on friday and monday but today is thursday and I see no update, maybe I need to be patient but its hard. lol

I want to be in the 700s again!
Message 3 of 18
Valued Contributor

Re: Okay thanks, most of them are reporting zero balances lik...

The reporting of $0 may not give you a score increase.  Might even see a score decrease.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 4 of 18
Established Contributor

Re: Okay thanks, most of them are reporting zero balances lik...


Repo-ed wrote:

The reporting of $0 may not give you a score increase.  Might even see a score decrease.


Not if if there is utilization on another card. Now if you paid all your cards down to $0, you might see a slight drop. Ideal goal is to have 9% utilization of total CC limits. I have heard it is best to be on one card only, but I think a few % across several cards still works.

Message 5 of 18
Established Member

Re: Okay thanks, most of them are reporting zero balances lik...

I still have another card to pay, and I have a closed macys account I am paying on every month, and paypal. they still have balances but all the other ones I paid in full, so I shouldnt have paid them in full?? Smiley Sad

I want to be in the 700s again!
Message 6 of 18
Established Member

Re: Okay thanks, most of them are reporting zero balances lik...

See I never knew this thanks, because I thought it was best to not have balances.

I want to be in the 700s again!
Message 7 of 18
Established Contributor

Re: Okay thanks, most of them are reporting zero balances lik...

Reporting of 9% utilization demonstrates responsible usage of credit lines. 

Message 8 of 18
Established Member

Re: Okay thanks, most of them are reporting zero balances lik...

Okay I have a total credit of 20,651 and out of that I have used 4800. Or thats what I have to pay off left. Should I leave it like that?  I still want to ask for CLI.

I want to be in the 700s again!
Message 9 of 18
Moderator Emeritus

Re: Okay thanks, most of them are reporting zero balances lik...

OP, are you looking at FICOs or FAKOs?

Message 10 of 18